As of 19 March 2016 , the Terms and Conditions of Using the 'Nowy EFEKT' and 'Nowy EFEKT Plus' versions of the SME Package will change. The key changes include:

- adding new provisions governing complaints, including information about where and how one can submit a complaint, time limits for handling complaints and the manner of notifying clients about resolved complaints,
- modifying the personal data protection clauses,
- removing the provisions governing the offer of overdrpaft and guarantee under simplified procedure up to PLN 600,000. Now, small and medium-sized enterprises may apply for more products up to the PLN 1,000,000 limit as part of Financing for SMEs under the generally applicable terms.

The remaining preferential terms of using individual products and services included in the Package remain unchanged. Should you have any questions or doubts, please contact your Account Manager at mBank.

Conditions of Using the Package for Small and Medium-sized Enterprises in the 'Nowy EFEKT' and 'Nowy EFEKT Plus' versions (enter into force on 19 March 2016)